Financial Calculators

Disclaimer: The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

Savings Calculator

Use this calculator to figure how much your current savings will grow and how much more you'll need to save each month in order to achieve a given savings goal within a given number of years. Start with Line 1 and enter your future savings goal.

Savings Calculator

Savings goal:

Current savings balance:

Annual percentage rate:

Number of years:

Instructions

Current savings future value:

Total savings gap:

Monthly deposit required:

Explainations

Share Certificates Calculator

This calculator will compute the future value and annual percentage rate of your certificate of deposit.

Share Certificates Calculator

Enter the deposit amount ($):

Enter the annual interest rate (%):

Enter the number of months (#):

Compounding interval:

Future value:

Interest earned:

Annual percentage yield (APY):

IRA to Roth Calculator

This calculator will give you an idea of the consequences of converting a Traditional IRA to a Roth IRA.

Assumptions:Federal Adjusted Gross Income(AGI) before IRA conversion is assumed to be $100,000 or less, if married it assumed you are filing jointly, and contributions that have been made to any Traditional IRA were fully deductible.

Lump-Sum Distribution

Rollover to Tax-Deferred

Current value before taxes and penalties:

Penalties:

Income tax paid:

Total left now:

Future value before taxes:

Future taxes to be paid:

Future net available:

Bi-weekly Mortgage Calculator

This calculator will show you how much you will save if you make 1/2 of your mortgage payment every two weeks instead of making a full mortgage payment once a month. In effect, you will be making one extra mortgage payment per year -- without hardly noticing the additional cash outflow. But, as you're about to discover, you will certainly notice the "increased" cash flow that will occur when you pay your mortgage off way ahead of schedule!

Instructions:Complete the top 5 entry fields and click the "Compute" button. If you are entering data for a future mortgage, you can leave the "Current monthly mortgage payment" field blank, and the calculator will compute the payment for you.

Bi-weekly Mortgage Calculator

Mortgage Amount:

Interest Rate

Term of Mortgage

Monthly Mortgage Payment:

Number of Payments Already Paid:

Your Current Mortgage

Dollar amount of your mortgage:

Percentage rate of your mortgage:

Your current monthly payment:

Total Interest paid:

Paid off in:

With the Bi-Weekly Plan

Your bi-weekly payment:

Total Interest paid:

Total Interest savings:

Paid off in:

Number of payments saved:

Equivalent interest rate:

Additional $25 Every Payment

Your bi-weekly payment:

Total Interest paid:

Total Interest savings:

Paid off in:

Number of payments saved:

Equivalent interest rate:

Additional $50 Every Payment

Your bi-weekly payment:

Total Interest paid:

Total Interest savings:

Paid off in:

Number of payments saved:

Equivalent interest rate:

Interest Only vs. Principal and Interest Calculator

This calculator will help you to compare the monthly payment amounts for an interest-only mortgage and a principal-interest mortgage. Also included are optional fields for taxes, insurance, PMI, and association dues.

Interest Only vs. Principal and Interest Calculator

Mortgage loan amount:

Mortgage interest rate (%):

Mortgage loan term (# years):

Annual real estate taxes (Optional):

Annual homeowners insurance (Optional):

Monthly Private Mortgage Insurance (Optional):

Monthly association dues (Optional):

Monthly Principal and Interest Payment

Interest Only:

Principal & Interest:

Monthly Taxes, Insurance, PMI, and Dues

Interest Only:

Principal & Interest:

Total Monthly Mortgage Payment

Interest Only:

Principal & Interest:

Auto Loan Rate Calculator

This calculator that will help you to compare monthly payments and interest costs of auto loans at up to five term and rate combinations simultaneously.

Enter the auto loan amount and then enter one or more term and interest rate combinations.

Auto Loan Rate Calculator

Finance Amount:

First Option

Term (Months)Interest Rate

Second Option

Term (Months)Interest Rate

Third Option

Term (Months)Interest Rate

Fourth Option

Term (Months)Interest Rate

Fifth Option

Term (Months)Interest Rate

First Option

Monthly paymentTotal PrincipalTotal InterestTotal Payments

Second Option

Monthly paymentTotal PrincipalTotal InterestTotal Payments

Third Option

Monthly paymentTotal PrincipalTotal InterestTotal Payments

Fourth Option

Monthly paymentTotal PrincipalTotal InterestTotal Payments

Fifth Option

Monthly paymentTotal PrincipalTotal InterestTotal Payments

Credit Card Principal/Interest Calculator

This calculator will show you how much of your current credit card payment is being applied to the principal balance and how much is pure interest.

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